First Fed Bank High-Yield Savings & Money Market Rates

How First Fed Bank’s savings rates compare

Compared with banks and credit unions near Port Angeles, WA, where First Fed Bank has the most branches. $10,000, best rate first.

This bank’s best
First Fed Bank
3.45%APY
Requires
Another account
Minimum
$25
Earns on $10,000 a year
$345
Rewards Savings
Top rate
WaFd Bank
3.82%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$382
WaFd Bank rates
3rd-highest rate
Columbia Bank
2.00%APY
Requires
None
Minimum
$10,000
Earns on $10,000 a year
$200
Columbia Bank rates

Compare savings rates near you →

Savings score

Higher than 97% of U.S. banks and credit unions

By balance

$1,000 balance$1,0002.75%
$10,000 balance$10,0002.75%
$100,000 balance$100,0003.30%
QualifiedQualified3.45%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where First Fed Bank ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Rewards Savings

Up to 3.45%APYRequirements apply$25 to open

Limit of one Rewards Savings account per tax reporting owner (TRO). Account must be paired with an open Rewards Checking or Cash Back Checking account to qualify for premium savings APY. If rewards qualifications are not met, the entire balance earns the non-qualifying APY. $15 early closing fee if closed within 90 days of opening. No monthly maintenance fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Qualifying balances less than $50,000; simple interest.	3.45%	$345	Qualifying balances less than $50,000; simple interest.
Any balanceNon-qualifying balances if rewards qualifications are not met; simple interest.	0.05%	$5	Non-qualifying balances if rewards qualifications are not met; simple interest.
$50,000 and upQualifying balances >= $50,000; APY range is 3.45%-2.63% (assumes sample deposit of $75,000); simple interest.	1.01%	—	Qualifying balances >= $50,000; APY range is 3.45%-2.63% (assumes sample deposit of $75,000); simple interest.

Sources (3)

All captured Oct 4, 2026

Madrona Money Market

0.25%APY$10,000 to open

Rates may change after account is opened. $15 early closing fee if closed within 90 days. No monthly maintenance fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100,000Minimum balance to earn APY is $1. Compounded daily.	0.25%	$25	Minimum balance to earn APY is $1. Compounded daily.
$100,000 – $250,000Minimum balance to earn APY is $100,000. Compounded daily.	3.30%	—	Minimum balance to earn APY is $100,000. Compounded daily.
$250,000 and upMinimum balance to earn APY is $250,000. Compounded daily.	3.35%	—	Minimum balance to earn APY is $250,000. Compounded daily.

Sources (1)

ourfirstfed.com/personal/savings/madrona-money-market · captured Oct 22, 2026

Sunflower Savings

2.75%APY$100 to open

Requires $100 minimum opening deposit of new money (funds not previously held on deposit at First Fed within the last 30 days). $5 monthly maintenance fee is waived with $100 minimum daily balance (if balance at assessment is less than $5, fee is balance less $0.01). $15 early closing fee if closed within 90 days of opening.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDaily compounding; monthly maintenance fee of $5 waived with $100 minimum daily balance; no minimum balance to earn APY.Any balance	2.75%	$275	Daily compounding; monthly maintenance fee of $5 waived with $100 minimum daily balance; no minimum balance to earn APY.

Sources (2)

All captured Oct 4, 2026

Alpine Savings

0.03%APY$100,000 to open

High yield savings account for higher balances. Minimum deposit of $100,000 of new money (funds not previously held on deposit at First Fed within the last 30 days) needed to open. $15 early closing fee if closed within 90 days of opening. Non-First Fed ATM withdrawal fee $2.50 (waived at MoneyPass ATMs).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100,000Daily compounding; minimum balance to earn APY is $0.	0.03%	$3	Daily compounding; minimum balance to earn APY is $0.
$100,000 – $250,000Daily compounding; minimum balance to earn APY is $100,000.	1.90%	—	Daily compounding; minimum balance to earn APY is $100,000.
$250,000 and upDaily compounding; minimum balance to earn APY is $250,000.	1.95%	—	Daily compounding; minimum balance to earn APY is $250,000.

Sources (2)

All captured Oct 4, 2026

Spruce Money Market

0.10%APY$10,000 to open

Rates may change after account is opened. $15 early closing fee if closed within 90 days.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Minimum deposit to earn APY is $1. Compounded daily.	0.01%	—	Minimum deposit to earn APY is $1. Compounded daily.
$10,000 – $100,000Minimum deposit to earn APY is $10,000.00. Compounded daily.	0.10%	$10	Minimum deposit to earn APY is $10,000.00. Compounded daily.
$100,000 – $250,000Minimum deposit to earn APY is $100,000.00. Compounded daily.	0.15%	—	Minimum deposit to earn APY is $100,000.00. Compounded daily.
$250,000 – $499,999Minimum deposit to earn APY is $250,000.00. Compounded daily.	0.20%	—	Minimum deposit to earn APY is $250,000.00. Compounded daily.
$500,000 and upMinimum deposit to earn APY is $500,000.00. Compounded daily.	0.30%	—	Minimum deposit to earn APY is $500,000.00. Compounded daily.

Sources (1)

ourfirstfed.com/rates · captured Oct 22, 2026

First Rate Money Market

0.05%APY$1,000 to open

Rates may change after account is opened. $15 early closing fee if closed within 90 days.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Minimum deposit to earn APY is $0.00. Compounded daily.	0.01%	—	Minimum deposit to earn APY is $0.00. Compounded daily.
$1,000 – $10,000Minimum deposit to earn APY is $1,000.00. Compounded daily.	0.05%	—	Minimum deposit to earn APY is $1,000.00. Compounded daily.
$10,000 – $50,000Minimum deposit to earn APY is $10,000.00. Compounded daily.	0.05%	$5	Minimum deposit to earn APY is $10,000.00. Compounded daily.
$50,000 – $100,000Minimum deposit to earn APY is $50,000.00. Compounded daily.	0.10%	—	Minimum deposit to earn APY is $50,000.00. Compounded daily.
$100,000 and upMinimum deposit to earn APY is $100,000.00. Compounded daily.	0.15%	—	Minimum deposit to earn APY is $100,000.00. Compounded daily.

Sources (1)

ourfirstfed.com/rates · captured Oct 22, 2026

Special-purpose accounts

First Savings

2.25%APYKids and teens$1 to open

High-yield savings account designed for children 17 and under. No monthly maintenance fee. No minimum balance to earn APY.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDaily compounding; APY is based on a balance of $100.00; no minimum balance to earn APY.Any balance	2.25%	$225	Daily compounding; APY is based on a balance of $100.00; no minimum balance to earn APY.

Sources (3)

All captured Oct 4, 2026

Education Savings Account (ESA)

0.03%APYIRA$100 to open

Target market: individuals with children or grandchildren under age 18. Must be used for qualified educational expenses. $10 annual trustee fee (per ESA customer). $25 closing fee (complete transfers or premature withdrawals). $10 excess contribution fee (if First Fed must withdraw the excess). Interest compounds daily and may change monthly. Additional deposits allowed at any time.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $5,000Coverdell ESA rate tier $0 to $4,999.99; daily compounding, rate may change monthly.	0.03%	—	Coverdell ESA rate tier $0 to $4,999.99; daily compounding, rate may change monthly.
$5,000 – $25,000Coverdell ESA rate tier $5,000 to $24,999.99; daily compounding, rate may change monthly.	0.03%	$3	Coverdell ESA rate tier $5,000 to $24,999.99; daily compounding, rate may change monthly.
$25,000 – $50,000Coverdell ESA rate tier $25,000 to $49,999.99; daily compounding, rate may change monthly.	0.08%	—	Coverdell ESA rate tier $25,000 to $49,999.99; daily compounding, rate may change monthly.
$50,000 and upCoverdell ESA rate tier $50,000 and above; daily compounding, rate may change monthly.	0.08%	—	Coverdell ESA rate tier $50,000 and above; daily compounding, rate may change monthly.

Sources (2)

All captured Oct 4, 2026

IRA Savings

0.03%APYIRA

Individual Retirement Account (IRA) savings. Minimum opening deposit is $25.00 for VIP and $50.00 for Roth. Interest compounds daily and interest rate may change monthly. Additional deposits allowed at any time during term.

Earnings on $10,000 over a year.
Balance	APY	Minimum	Earns on $10,000 a yearEarns	Requirement
Up to $5,000VIP IRA savings tier $0 to $4,999.99; daily compounding, rate may change monthly. · $25 to open	0.03%	$25	—	VIP IRA savings tier $0 to $4,999.99; daily compounding, rate may change monthly.
Up to $5,000Roth IRA savings tier $0 to $4,999.99; daily compounding, rate may change monthly. · $50 to open	0.03%	$50	—	Roth IRA savings tier $0 to $4,999.99; daily compounding, rate may change monthly.
$5,000 – $25,000VIP IRA savings tier $5,000 to $24,999.99; daily compounding, rate may change monthly. · $25 to open	0.03%	$25	$3	VIP IRA savings tier $5,000 to $24,999.99; daily compounding, rate may change monthly.
$5,000 – $25,000Roth IRA savings tier $5,000 to $24,999.99; daily compounding, rate may change monthly. · $50 to open	0.03%	$50	$3	Roth IRA savings tier $5,000 to $24,999.99; daily compounding, rate may change monthly.
$25,000 – $50,000VIP IRA savings tier $25,000 to $49,999.99; daily compounding, rate may change monthly. · $25 to open	0.08%	$25	—	VIP IRA savings tier $25,000 to $49,999.99; daily compounding, rate may change monthly.
$25,000 – $50,000Roth IRA savings tier $25,000 to $49,999.99; daily compounding, rate may change monthly. · $50 to open	0.08%	$50	—	Roth IRA savings tier $25,000 to $49,999.99; daily compounding, rate may change monthly.
$50,000 and upVIP IRA savings tier $50,000 and above; daily compounding, rate may change monthly. · $25 to open	0.08%	$25	—	VIP IRA savings tier $50,000 and above; daily compounding, rate may change monthly.
$50,000 and upRoth IRA savings tier $50,000 and above; daily compounding, rate may change monthly. · $50 to open	0.08%	$50	—	Roth IRA savings tier $50,000 and above; daily compounding, rate may change monthly.

Sources (2)

All captured Oct 4, 2026

Holiday Club

0.03%APYClub$25 to open

No minimum balance to earn APY. APY is based on a balance of $100.00.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDaily compounding; APY based on a balance of $100.00; no minimum balance to earn APY.Any balance	0.03%	$3	Daily compounding; APY based on a balance of $100.00; no minimum balance to earn APY.

Sources (1)

ourfirstfed.com/rates · captured Oct 4, 2026

Summit Savings

0.03%APYAge limits$100 to open

$5 monthly maintenance fee is waived with $100 minimum daily balance (if balance at assessment is less than $5, fee charged is balance less $0.01). For minors, open with $1 and no monthly maintenance fee. $15 early closing fee if closed within 90 days of opening. Non-First Fed ATM withdrawal fee $2.50 (waived at MoneyPass ATMs).

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDaily compounding; APY based on a balance of $100.00; no minimum balance to earn APY; monthly maintenance fee of $5 waived with $100 minimum daily balance.Any balance	0.03%	$3	Daily compounding; APY based on a balance of $100.00; no minimum balance to earn APY; monthly maintenance fee of $5 waived with $100 minimum daily balance.

Sources (3)

All captured Oct 4, 2026

Opening an account

Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.

Visit institution website ↗Branches and institution details

← First Fed Bank overview

How First Fed Bank’s savings rates compare

First Fed Bank savings score

Current savings rates

Rewards Savings

Madrona Money Market

Sunflower Savings

Alpine Savings

Spruce Money Market

First Rate Money Market

Special-purpose accounts

First Savings

Education Savings Account (ESA)

IRA Savings

Holiday Club

Summit Savings

Opening an account